The financial institution that generally charges the LOWEST rates on loans is a - credit union.
Credit unions are not-for-profit organizations whose purpose is to serve their members. The credit unions provide deposit accounts, provide loans and also other financial services. These unions provide a very low and reasonable rate of interest.
It seems to me, that if you were to add the price of all three items together, then multiply by 7.5%, you'd have the answer. Remember that 7.5% = .075 ... in other words, that is the number you would multiply the sum of the items by. Does that help?